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Overview / Commentary
910-487-8202
1638 Skibo Rd
Fayetteville, NC 28303

Fort Bragg Federal Credit Union is headquartered in Fort Bragg and is the 10st largest credit union in the state of North Carolina. It is also the 567th largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 96 employees and 45,740 members. Fort Bragg Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to active & retired military, those who work on Fort Bragg and members of certain organizations. Fort Bragg Federal Credit Union may include individuals who are members of the immediate family or household of an individual within the credit unions field of membership. Contact the Credit Union to see how you are eligible to join! Fort Bragg Federal Credit Union membership criteria has expanded allowing more people to join Fort Bragg Federal Credit Union! - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fort Bragg Federal Credit Union had $1.19 million in non-current loans and owned real-estate with $35.94 million in equity and loan loss allowances on hand to cover it. This gives Fort Bragg Federal Credit Union a Texas Ratio of 3.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Fort Bragg Federal Credit Union decreased dramatically from 4.96% as of March 31, 2013 to 3.30% as of March 31, 2014, resulting in a positive change of 33.51%.This indicates that the balance sheet and financial strength for Fort Bragg Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Fort Bragg Federal Credit Union has decreased its total deposits by -$11.26 million, resulting in -3.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fort Bragg Federal Credit Union has shown is below average.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fort Bragg Federal Credit Union has $390.5 million in assets with $35.94 million in equity, resulting in a capitalization level of 9.20%, which is average.

Institution Statistics

Overall
NCUA #13690
Year Chartered1960
Employees96
Primary Regulator
Assets and Liabilities
Assets$390.50 million
Loans$175.78 million
Deposits$351.80 million
Equity Capital$35.26 million
Loan Loss Allowance$684,000
Unbacked Noncurrent Loans$1.14 million
Real Estate Owned$45,000
Historic Data - March 2013
Assets$401.61 million
Equity Capital$34.52 million
Loan Loss Allowance$739,000
Unbacked Noncurrent Loans$1.14 million
Real Estate Owned$181,000
Profit Margin - Quarterly
Net Interest Margin1.07%
Return on Assets0.23%
Return on Equity2.56%
Interest Income$2.39 million
Rates
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Fort Bragg Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--Youth Account
0.40%--Holiday Club Account
0.40%--Teen Account
0.20%$25-IRA Share Account
0.20%$25-Roth IRA Share Account
0.20%$25-Coverdell ESA Share Account
0.05%$500-Savings Account
0.05%$500-Payable on Death Account

Fort Bragg Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Patriot Checking Account
0.05%$500-Iron Mike Checking Account

Fort Bragg Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.05%$25k-60 Month Jumbo Step Up Term Share Certificate
0.95%$25k-48 Month Jumbo Step Up Term Share Certificate
0.95%$5k-60 Month Step Up Term Share Certificate
0.95%$1k-60 Month Term Share Certificate
0.85%$25k-36 Month Jumbo Step Up Term Share Certificate
0.85%$5k-48 Month Step Up Term Share Certificate
0.85%$1k-48 Month Term Share Certificate
0.75%$1k-36 Month Term Share Certificate
0.75%$5k-36 Month Step Up Term Share Certificate
0.70%$25k-24 Month Jumbo Step Up Term Share Certificate
0.60%$1k-24 Month Term Share Certificate
0.60%$5k-24 Month Step Up Term Share Certificate
0.55%$25k-12 Month Jumbo Term Share Certificate
0.45%$1k-12 Month Term Share Certificate
0.35%$500-6 Month Term Share Certificate
0.15%$500-3 Month Term Share Certificate

Fort Bragg Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.05%$25k-60 Month Jumbo Step Up IRA Term Share Certificate
0.95%$25k-48 Month Jumbo Step Up IRA Term Share Certificate
0.95%$500-60 Month IRA Term Share Certificate
0.95%$5k-60 Month Step Up IRA Term Share Certificate
0.85%$25k-36 Month Jumbo Step Up IRA Term Share Certificate
0.85%$500-48 Month IRA Term Share Certificate
0.85%$5k-48 Month Step Up IRA Term Share Certificate
0.75%$500-36 Month IRA Term Share Certificate
0.70%$25k-24 Month Jumbo Step Up IRA Term Share Certificate
0.60%$5k-24 Month Step Up IRA Term Share Certificate
0.55%$25k-12 Month Jumbo IRA Term Share Certificate
0.45%$500-12 Month IRA Term Share Certificate
0.15%$500-3 Month IRA Term Share Certificate
Locations


Fort Bragg Federal Credit Union Locations
Branch Office1638 Skibo RdFayetteville, NC 28303-3480
Branch Office4020 Bastogne DrFort Bragg, NC 283100001
Branch Office4172 Hefner DrFort Bragg, NC 28310
Branch Office6300 Ramsey StFayetteville, NC 28311
Branch Office7840 Raeford RdFayetteville, NC 28304-6018